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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,911 | $29,716+71.3% | $56,077-9.2% | $80,925-37.1% |
| Participation rate | 68.0% | 41.7%+26.3pp | 52.5%+15.5pp | 67.7%+0.3pp |
| Annual return | 13.30% | 35.30%-22.0pp | 1709.28%-1696.0pp | 35.65%-22.4pp |
| Employer contribution / active EE | $407 | $671-39.3% | $1,040-60.9% | $2,756-85.2% |
| Participant deferral / active EE | $6,830 | $1,228+456.0% | $1,954+249.6% | $4,299+58.9% |
| Admin fee / account holder | $789 | $2,432-67.6% | $2,825-72.1% | $6,940-88.6% |